By Katie Zurawka
Today’s insurance customers expect convenience, clarity, and control. Digital policy management delivers all three—giving policyholders easy access to their coverage anytime, anywhere. But while technology streamlines the experience, it doesn’t replace the expertise and advocacy of an independent insurance agent. In fact, the best insurance experience combines both.
Here’s how digital policy management benefits you as the policyholders while making independent agents more valuable than ever.
1. 24/7 Access to Policies and Documents
With digital policy management, policyholders can view ID cards, coverage details, and policy documents anytime—no waiting for office hours or digging through paperwork.
Your independent agent ensures those documents actually reflect the coverage you requested and explains what’s behind the fine print.
2. Faster, Simpler Policy Updates
Address change? New vehicle? Added equipment? Digital tools make submitting updates quick and easy.
Your agent reviews changes to ensure nothing important is missed and that updates don’t create unintended coverage gaps.
3. Streamlined Claims Reporting
Many digital platforms allow policyholders to start a claim in minutes, upload photos, and track progress online. When claims get complicated or stressful, your agent becomes your advocate—helping navigate the process and pushing for fair outcomes.
4. Better Organization, Less Paper
Digital dashboards keep all policies—auto, home, business, life—in one secure place. Our agency client portal helps coordinate coverage across multiple policies and carriers, ensuring everything works together, not in silos.
5. Real-Time Notifications and Reminders
Automatic alerts for renewals, payments, and policy changes help policyholders stay informed and avoid lapses. Your agent provides proactive advice at renewal time, helping you adjust coverage as your life or business changes.
6. Increased Transparency and Confidence
Seeing coverage details clearly online empowers policyholders to better understand what they’re paying for. Understanding coverage doesn’t mean interpreting it alone. Agents translate insurance language into real-world guidance tailored to your risks.
7. A More Personalized Insurance Experience
Digital tools track preferences and interactions, making insurance more responsive and efficient. Technology can personalize data—but only an independent agent can personalize advice, based on experience, local insight, and human judgment.
The Best of Both Worlds
Digital policy management puts convenience at your fingertips. Our agents put expertise, advocacy, and personal service behind every policy. Together, they create a smarter, smoother insurance experience—one that’s efficient and human.
Howard Hanna Real Estate Services proudly provides real estate, mortgage, title, and insurance services across 14 states. As the largest family-owned and -operated real estate brokerage in the United States, Howard Hanna operates more than 500 offices with 15,000 sales associates and staff. Recognized as the most innovative brokerage, Howard Hanna provides solution-based programs and platforms to empower their agents to provide more resources for homebuyers and home sellers, resulting in their agents achieving a sales success rate that is 53% higher than agents at the top 1000 brokerages nationally. Since 1957, Howard Hanna has helped agents build the skills and experience needed to thrive in the ever-changing landscape of real estate. Learn more at www.HowardHanna.com.
